USDA and FHA Pro and Con in Laguna-Beach, Orange County, CA
In 2026, the USDA loan limit in Laguna-Beach, nestled in the county of Orange, CA, stands at $657,900, while for a single-family home, the FHA limit is $822,375.
Use the Lendersa® USDA loan calculator to compare today’s USDA versus FHA best rates. This tool will help you determine the necessary income, credit score, reserves, and documentation for qualification. With our advanced mortgage calculator, you can view the USDA, FHA, Conforming, and VA loans side by side, helping you decide which program, even in , best fits your specific financial needs.
2026 Loan Limits and Downpayment Requirements in Laguna-Beach, County of Orange, CA
Loan Type
Loan Limit
Down payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Choices in Laguna-Beach, CA
Lendersa® aims to swiftly find the ideal USDA or FHA loan for you with minimal hassle. You can begin with one of three initial approaches that align you with suitable lenders and USDA loan options.
The USDA home loan is backed by the U.S. Department of Agriculture, often called the USDA rural development loan or simply USDA mortgage, available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
"At Arrive we are guided by technology in our efforts to improve the mortgage experience. We believe that the journey to home ownership should be simple and enjoyable.
Our Mission is to provide a superior mortgage experience so that our customers recommend us, partners enjoy working with us, employees are proud to be a part of the family"
Celebrity Mortgage Corporation is dedicated to helping you get the loan you need quickly and easily. Our experienced team of licensed loan originator professionals work tirelessly to assure the mortgage process is seamless from comprehensive pre-approvals to the closing table. Whether you are purchasing a home or simply refinancing your existing
Since opening our doors in 1949, The Bank of Glen Burnie® has been committed to meeting customers’ needs. In fact, it’s at the heart of everything we do! Although the banking industry continues to undergo rapid changes, we believe the best way to meet our commitment is by remaining an independent, community bank.
6619 Ritchie Hwy, Suite 13, Glen Burnie, MD, 21061
Bay Country Financial Services is the company to trust for fast, flexible, confidential financial services. We offer personal, consolidation, automobile, boat, trailer, RV, motor-home, and motorcycle loans.
We have more than 100 years of combined experience helping people just like you navigate the loan process expertly.
Our mission is to be the community Bank of choice providing homeownership and Banking services with extra-ordinary service, delivery, convenience and ease. We help our customers achieve their financial goals of saving for a future event, whether it be their education, wedding, buying a home or retirement.
Alternative Capital Funding is a Nationwide Commercial Real Estate Lending Company. We provide Commercial Real Estate financing for Businesses, Investors, Organizations and Individuals. Our Corresponding Lending status allows us to provide Conventional Commercial loans, SBA 7A/504 loans, Low Doc Loans and Bridge Financing nationwide.
14515 Madison Park Dr, Suite 2, Glen Burnie, MD, 21061
Service 1st Mortgage is a mortgage broker located in Glen Burnie, Maryland, 30 minutes north of Washington DC and 20 minutes south of Baltimore. Our company serves the lending needs of prospective home buyers and current homeowners through specialized mortgage products that offer the best rates and lowest costs.
180 E Dania Beach Blvd, Suite 107, Dania, FL, 33004
United Capital Point was founded by a group of professionals with more than 15 years of combined experience in the areas of Commercial Real Estate Lending and Business Working Capital Loan Funding. There’s a lot to consider when searching for the right loan program for your immediate investment.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms
Rosedale Federal has deep roots in the Baltimore area and we’re proud to be part of the communities we serve. Our purpose remains the same: to help our neighbors with everyday finances and affordable home loans. The bank is still a mutual association, owned by its depositors, not a group of investors and shareholders.
